How To Pay With Discover Card - Discover Payment Gateway

Due to the Discover payment method processed online, this transaction is a type of electronic payment, and will be accepted or declined in seconds.

On the other hand, the time for an online Discover credit card payment to be taken to post is different between Cardmembers:

For Non-Discover It Cardmembers

• If you make a payment before 5:00 p.m. Eastern Time, it will be published the same day (ET).
• Payments received after 5:00 p.m. will be posted the next day.
• A payment that you have scheduled for a later date will be posted to your account on the date you specify.
• Until 5:00 p.m. ET on the payment posting date, you can cancel a scheduled payment online or over the phone.

For Discover it® Cardmembers

• Except for payments made on your cycle day, payments are posted the same day if made before midnight Eastern Time (ET). When you pay by cycle date before 5:00 p.m. ET, your payment posts the same day.
• You can cancel a payment up until 5:00 p.m. if you make it before that time. You can cancel a payment made after 5:00 p.m. ET until midnight ET the next day.
• A payment that has been scheduled for a later date will be posted to your account on the date you specify.
• Until 5:00 p.m. ET on the payment posting date, you can cancel a scheduled payment online or over the phone.

You can find your Discover credit card account number by looking at the 16 digits code on the front of your card.

If you have a virtual or digital card, you can check the card number by signing into the card issuing bank's or institution's mobile app.

Discover card number format:

• First number: 6

The first digit is known as the Major Industry Identifier (MII). Number 6 represents Merchandising and Banking(Discover).

• The Next 5 Numbers: XXXXX

These are known as the card's Issuer Identification Number (IIN) or Bank Identification Number (BIN), and they help to identify which credit card institution issued the card and which card network it belongs to.

• The Next 9-12 Numbers: XXXXXXXXX

Except for the final digit, the seventh and all remaining digits in a card number indicate the card's individual account. Your account number could be as little as nine digits or as long as twelve.

• The Last Number: X

A checksum is the last digit of a credit card number. It's a code that determines whether or not a credit card is valid. A procedure known as the Luhn Algorithm generates the "check number" or "key".

Discover card number format:

• First number: 6

The first digit is known as the Major Industry Identifier (MII). Number 6 represents Merchandising and Banking(Discover).

• The Next 5 Numbers: XXXXX

These are known as the card's Issuer Identification Number (IIN) or Bank Identification Number (BIN), and they help to identify which credit card institution issued the card and which card network it belongs to.

• The Next 9-12 Numbers: XXXXXXXXX

Except for the final digit, the seventh and all remaining digits in a card number indicate the card's individual account. Your account number could be as little as nine digits or as long as twelve.

• The Last Number: X

A checksum is the last digit of a credit card number. It's a code that determines whether or not a credit card is valid. A procedure known as the Luhn Algorithm generates the "check number" or "key".

Discover is a consumer credit card company known for its low fees and cash-back rewards program. Discover Financial offers its cards directly to its consumers, skipping intermediary bank issuers, and thereby earns interest on their credit card balances directly. Discover has an additional incentive, given its business model, to encourage its consumers to borrow more on their cards than on those of their competitors.

Discover Financial receives interest from its credit card consumers, as well as payment processing fees from merchants who accept the Discover card as payment. Visa, on the other hand, makes money from its payments network but not from the credit card balances of its customers. Discover's business model resembles that of American Express, which is also a direct issuer, in this sense.

Discover Bank, previously the Greenwood Trust Company, issues the majority of Discover cards. The Discover Network payment network is used to handle Discover transactions. Discover Financial Services bought Pulse, an electronic money transfer network, in 2005, giving it the ability to advertise and issue debit and ATM cards. Discover Financial Services said in February 2006 that, thanks to the acquisition of Pulse, it will begin selling Discover debit cards to other financial institutions.

Here's a list of big banks that normally allow you to get cash over the counter with a Discover card and photo ID. Because participation varies by area, we strongly advise confirming with your local bank before making the trip:

• Wells Fargo
• US Bank
• TD Bank
• Suntrust Bank
• BB & T
• Citibank
• Capital One Bank
• Fifth Third Bank
• First National Bank
• Citizens Bank
• HNB
• M&T Bank
• Santander Bank
• Trustmark
• BMO Harris
• Arvest Bank
• Key Bank
• Compass Bank
• FCF Bank
• Bank of the West

An e-payment or Electronic Payment system allows customers to pay for the services via electronic methods. They are also known as online payment systems

Discover offers e-payment service that enables customers to pay online at merchant checkout websites. Besides, card holders can connect Discover cards with e-wallets like Apple Pay, Google Pay, Paypal, etc. to pay online for their purchases.

Firstly, you need to check whether your Discover card has a contactless feature by checking the symbol of contactless tap to pay Discover on the card.

Secondly, activate your Discover card and then you can start to make payment at any restaurant or shop that accepts Discover contactless payment with the symbol of contactless on the card reader. Simply tap the card on the surface of the reader and the transaction will complete in seconds.

Thirdly, download the digital wallet like Apple Pay or Google Pay, and link your Discover card information to the app. Simply wave your phone over the card reader and wait for the beep the next time you want to make a contactless transaction in-store.

To close or cancel your Discover card payment you can call direct line 1800 347 2683 (1-800-Discover)

For further information, you can visit Discover Help Center.

Your Discover internet payment was being returned due to billing errors.

Billing Errors on your Discover Card include:

• Unauthorized charges
• Charges for goods or services you have not received or accepted
• Missing or misapplied payments or other credits
• Calculation errors
• Transactions that are not clearly described or for which you require clarification
• Failure to deliver a billing statement to you at your registered address

With 20+ global alliances with other networks, issuers and payments organizations, Discover collectively expands its reach and open acceptance to millions of global cardholders.

Partner list to be updated from time to time:

• AFS in the MENA region
• Areeba across Lebanon
• ATH network in Puerto Rico
• Bcard National Card Scheme of Borica AD
• BC Card operates the largest domestic payment network in South Korea
• Cabal with Argentine origin and in the region, such as Uruguay, Paraguay and Brazil
• DinaCard, as the largest acquiring network in Serbia
• Dutch-Bangla Bank in Bangladesh
• Eazy Financial Service which is licensed and regulated by the Central Bank of Bahrain
• Elo was launched in 2011 by three of Brazil's largest banks
• Interac is Canada’s leading payment services provider
• JCB is Japan’s only international payment brand
• JONET owned by Network International Jordan
• Mercury is the Middle East’s first domestic payment scheme across the UAE
• NAPAS throughout Vietnam
• NCCC, a non-profit domestic payment network in Taiwan
• Payments Network Malaysia Sdn Bhd (PayNet)
• Prosa, Mexico Payment Network
• RuPay, supported by the Central Bank of India
• Saudi Payments
• SIBS
• Troy is the first and only Turkish domestic card scheme
• UnionPay global
• Verve is Interswitch Group’s innovative card scheme

Tap and pay is a contactless technology of Discover payment service. Card holders can quickly tap and pay with their contactless cards at the contactless POS terminal.

To use the tap and pay feature on Discover, simply hover your card near the reader for 2–3 seconds, get your confirmation and go. It is compulsory for your Discover card and the reader to have the contactless symbol - .

Secondly, you can connect the tap and pay feature to a digital wallet by adding your contactless card to Apple Pay, Samsung Pay, or Google Pay, so you can tap your device to the reader at checkout.

You may use your Discover Card to purchase at Amazon, Ebay, Home depot, etc., order food from nearby restaurants and coffee shops, pay for expenses and utilities like subscription services, donate to nonprofit organization sites, add it to digital wallets like Apple Pay and Google Pay, save it in payment services like PayPal, and much more online.

Yes. You can make payment in store by inserting the EMV chip on the card to the POS terminal or using the contactless technology on the card and tap to the contactless terminal.

Additionally, you can pay online by providing your card details on the online checkout platform of the merchants or using Discover® Click to Pay.

Last but not least, there are various types of digital wallets that connect directly to your Discover credit card, and you can make payment easily with contactless mobile payment or pay online with Apple Pay, Google Pay and Paypal.

It is obvious that if the stores that you are having a purchase don’t offer credit card checkout even in-store or online, that is absolutely not a place for using a Discover card. Sometimes, there are many shops that provide multiple payment methods for consumers, however, they have not partnered with Discover network yet, as a result, your Discover card payments are not accepted.

Discover is accepted in 99% of shops that accept credit cards across the United States. In addition, the Discover Global Network has acceptance in over 200 nations and territories, with more on the way.

Discover found it was challenging to catch up to the other three major credit card networks (Visa, Mastercard, Amex) when it was launched in 1986. Since then, its merchant acceptance has increased by millions.

Yes it does. The cardmembers can tap their Discover cards at card readers with the Contactless Symbol to pay at millions of stores using contactless technology, and they'll continue to earn rewards on every purchase. Besides, cardmembers are also able to add their contactless card to Apple Pay, Samsung Pay, or Google Pay, so they can tap the device to the reader at checkout.

Yes, It does. The Discover company offers for cardmembers the technology of contactless Discover® Card. Customers will feel safer at checkout when avoiding touching the card reader and much more convenient with tap and pay with digital wallet on mobile devices.

You're ready to tap and pay if you see the Contactless Indicator on the back of your Discover card. You can obtain a free contactless card if you don't see it. Simply activate your new card whenever it arrives, and you're ready to use.

Furthermore, your account number, card number, and card verification value (CVV) will remain unchanged, so there will be no need to update any saved card information.

It is obvious that if the stores that you are having a purchase don’t offer credit card checkout even in-store or online, that is absolutely not a place for using a Discover card. Sometimes, there are many shops that provide multiple payment methods for consumers, however, they have not partnered with Discover network yet, as a result, your Discover card payments are not accepted.

Discover is accepted in 99% of shops that accept credit cards across the United States. In addition, the Discover Global Network has acceptance in over 200 nations and territories, with more on the way.

Discover found it was challenging to catch up to the other three major credit card networks (Visa, Mastercard, Amex) when it was launched in 1986. Since then, its merchant acceptance has increased by millions.

Yes, It does. Discover allows customers to tap and pay securely with their card. Customers love the convenience of contactless payments. Discover company helps businesses simplify sales and let issuers enable fast, easy and secure payment experiences for their cardholders.

Contactless types that Discover supports include:

• Accept credit and debit contactless cards from around the world
• Enable payments via Apple Pay®, Google PayTM, Samsung Pay®, Garmin PayTM*
• Contactless payments are evolving the customer experience for transit and other connected commerce experiences

When it comes to ecommerce, the online shops that integrate payment gateway which accept Discover card payment is where you can make a purchase with Discover card.

PayCEC is a payment gateway provider that offers multiple payment methods for merchants to exceed customer expectations and enhance user experience with Discover payment acceptance online.

Learn more .

Yes, you can. The Discover debit card enables you to pay online at many ecommerce sites like Amazon, Ebay, Walmart or Fiverr etc. and online shopping, groceries, gas, streaming services, home improvement, travel, utilities, bills, app store purchases and much more. By paying with Discover debit card, you also earn reward points or cashback same as the Discover credit card.

Furthermore, the Discover debit cards are also accepted at ATM points when you need to withdraw cash. You can manage your Discover debit card on a mobile app, temporarily block the card when you lose it to protect your money.

You can easily make a payment with your Discover cards even if they are credit or debit cards. Below are types of Discover card using:

• In-store payment with EMV chip swiping
• In-store payment with Tap to Pay contactless
• Mobile payment in digital wallets (Apple Pay, Google Pay, Paypal)
• Online checkout in ecommerce website
• Recurring payments for subscriptions and utility bills